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Compare Stocks › ADBE vs V

Adobe Inc. (ADBE) vs Visa Inc. (V)

ADBE
Adobe Inc.
$250.71
VS
V
Visa Inc.
$328.03

Rewards

ADBE
  • ★Adobe Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 89.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Adobe Inc. scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
V
  • ★Visa Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 97.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Visa Inc. scores 99/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

Risks

ADBE
    V
    • ⚠Insiders have sold $10.9M worth of stock in the past 3 months — significant insider liquidation.

    Key Valuation Metrics

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    ADBE
    V
    Valuation
    $9.32B
    Free Cash Flow
    $20.84B
    9.20%
    FCF Yield
    3.34%
    14.62
    Trailing P/E
    28.57
    9.48
    Forward P/E
    22.15
    Quality & Moat
    41.36%
    ROIC
    38.39%
    62.36%
    ROE
    56.25%
    89.40%
    Gross Margin
    97.78%
    1.32
    PEG Ratio
    0.80
    Balance Sheet Safety
    0.58
    Debt / Equity
    0.67
    N/A
    Interest Coverage
    N/A
    -0.02
    Net Debt / EBITDA
    0.33
    N/A
    Dividend Yield
    0.82%
    ADBE: 7Ties: 1V: 3
    ADBEV

    Historical Fundamentals

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    ADBE

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    V

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    $1 Retained Earnings Test

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    ADBE
    $-0.60
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $18.12B
    Δ Market Cap
    $-10.93B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
    V
    $5.50
    created per $1 retained over 3 years
    Exceptional Value Creator
    Σ Retained
    $44.47B
    Δ Market Cap
    +$244.54B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Discounted Cash Flow (DCF) Analysis

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    ADBE
    50.0% Margin of Safety
    Price is 50.0% below estimated fair value
    Current Price: $250.71
    Fair Value: $501.89
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    V
    6.6% Overvalued
    Price is 6.6% above estimated fair value
    Current Price: $328.03
    Fair Value: $307.82
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

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    ADBE

    What growth rate is the market pricing in at $251?

    +3.0%
    Market-Implied Owner Earnings Growth
    Standard FCF implies -0.7%

    The market implies +3.0% Owner Earnings growth, below historical trends — potential opportunity.

    Standard FCF implies a more demanding -0.7%, reflecting heavy growth investment expected to generate future returns.

    V

    What growth rate is the market pricing in at $328?

    +13.9%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +13.4%

    The market implies +13.9% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +13.4%, reflecting heavy growth investment.

    Economic Moat Score

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    ADBE
    100/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
    V
    99/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

    Forensic Accounting

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    ADBE
    -2.85
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
    V
    -2.50
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Ownership Breakdown

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    ADBE
    Insiders 0.3%Institutions 87.7%Retail & Other 12.0%
    No. of Institutional Holders3,316
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
    V
    Insiders 0.6%Institutions 91.6%Retail & Other 7.8%
    No. of Institutional Holders5,826
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

    High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

    Insider Buying Activity

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    ADBE
    0
    Buys (3M)
    0
    Buys (12M)
    DURN DANIEL J
    Chief Financial Officer
    $507,758
    @ $390.58 · 2025-03-20
    RICKS DAVID A
    Director
    $998,946
    @ $443.98 · 2025-01-28
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    V
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    Open market purchases · includes direct & indirect ownership · excludes option exercises

    Open market purchases · includes direct & indirect ownership · excludes option exercises.

    Insider Selling Activity

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    ADBE
    1
    Sells (3M)
    3
    Sells (12M)
    Total value (12M): $867,022
    DURN DANIEL J
    Chief Financial Officer
    $331,355
    @ $248.02 · 2026-04-20
    DURN DANIEL J
    Chief Financial Officer
    $485,323
    @ $294.85 · 2026-01-27
    FORUSZ JILLIAN
    Officer
    $50,344
    @ $337.88 · 2025-10-31
    FORUSZ JILLIAN
    Officer
    $175,828
    @ $380.58 · 2025-05-02
    FORUSZ JILLIAN
    Officer
    $145,567
    @ $435.83 · 2025-01-28
    BELSKY SCOTT K
    Officer
    $2.05M
    @ $431.61 · 2025-01-27
    BANSE AMY L
    Director
    $333,300
    @ $550.00 · 2024-12-06
    FORUSZ JILLIAN
    Officer
    $327,987
    @ $485.19 · 2024-10-29
    BELSKY SCOTT K
    Officer
    $232,525
    @ $483.42 · 2024-10-25
    BELSKY SCOTT K
    Officer
    $1.14M
    @ $511.48 · 2024-10-16
    DURN DANIEL J
    Chief Financial Officer
    $3.35M
    @ $515.44 · 2024-09-17
    GARFIELD MARK S.
    Officer
    $52,089
    @ $537.00 · 2024-07-25
    BELSKY SCOTT K
    Officer
    $258,297
    @ $537.00 · 2024-07-25
    GARFIELD MARK S.
    Officer
    $85,255
    @ $564.60 · 2024-07-16
    BELSKY SCOTT K
    Officer
    $1.25M
    @ $561.60 · 2024-07-16
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    V
    2
    Sells (3M)
    22
    Sells (12M)
    Total value (12M): $105.04M
    MCINERNEY RYAN
    Chief Executive Officer
    $10.70M
    @ $340.14 · 2026-04-29
    CARNEY LLOYD A
    Director
    $201,253
    @ $309.62 · 2026-03-11
    MCINERNEY RYAN
    Chief Executive Officer
    $3.66M
    @ $349.18 · 2026-01-02
    MCINERNEY RYAN
    Chief Executive Officer
    $3.57M
    @ $340.07 · 2025-12-11
    ROTTENBERG JULIE B
    General Counsel
    $699,315
    @ $345.00 · 2025-12-11
    TANEJA RAJAT
    Officer
    $7.84M
    @ $330.14 · 2025-12-02
    FABARA PAUL D
    Officer
    $2.50M
    @ $331.45 · 2025-12-02
    TANEJA RAJAT
    Officer
    $2.08M
    @ $330.00 · 2025-11-21
    FABARA PAUL D
    Officer
    $707,917
    @ $325.93 · 2025-11-21
    CARNEY LLOYD A
    Director
    $302,832
    @ $336.48 · 2025-11-04
    MCINERNEY RYAN
    Chief Executive Officer
    $3.58M
    @ $341.00 · 2025-11-03
    MCINERNEY RYAN
    Chief Executive Officer
    $3.59M
    @ $342.30 · 2025-10-01
    MCINERNEY RYAN
    Chief Executive Officer
    $3.65M
    @ $348.57 · 2025-09-02
    ROTTENBERG JULIE B
    General Counsel
    $697,329
    @ $344.02 · 2025-08-18
    MCINERNEY RYAN
    Chief Executive Officer
    $3.60M
    @ $343.13 · 2025-08-14
    MCINERNEY RYAN
    Chief Executive Officer
    $3.05M
    @ $353.82 · 2025-07-01
    FABARA PAUL D
    Officer
    $4.36M
    @ $375.00 · 2025-06-11
    TANEJA RAJAT
    President
    $18.44M
    @ $368.87 · 2025-06-05
    FABARA PAUL D
    Officer
    $17.10M
    @ $370.00 · 2025-06-05
    MCINERNEY RYAN
    Chief Executive Officer
    $3.13M
    @ $362.77 · 2025-06-02
    FABARA PAUL D
    Officer
    $6.32M
    @ $357.45 · 2025-05-12
    FABARA PAUL D
    Officer
    $5.26M
    @ $355.04 · 2025-05-08
    MCINERNEY RYAN
    Chief Executive Officer
    $2.98M
    @ $345.58 · 2025-05-01
    ROTTENBERG JULIE B
    General Counsel
    $889,868
    @ $345.58 · 2025-05-01
    MCINERNEY RYAN
    Chief Executive Officer
    $3.02M
    @ $350.44 · 2025-04-01
    FABARA PAUL D
    Officer
    $13.40M
    @ $340.41 · 2025-03-19
    FABARA PAUL D
    Officer
    $12.88M
    @ $327.20 · 2025-03-14
    MCINERNEY RYAN
    Chief Executive Officer
    $3.13M
    @ $363.00 · 2025-03-03
    MAHON TULLIER KELLY
    Officer
    $11.80M
    @ $349.77 · 2025-02-07
    ANDRESKI PETER M
    Officer
    $815,314
    @ $349.62 · 2025-02-07
    MCINERNEY RYAN
    Chief Executive Officer
    $2.93M
    @ $340.00 · 2025-02-03
    ROTTENBERG JULIE B
    General Counsel
    $874,480
    @ $340.00 · 2025-02-03
    MCINERNEY RYAN
    Chief Executive Officer
    $2.74M
    @ $317.78 · 2025-01-02
    TANEJA RAJAT
    Officer
    $11.15M
    @ $315.55 · 2024-12-13
    MCINERNEY RYAN
    Chief Executive Officer
    $2.73M
    @ $316.90 · 2024-12-02
    FABARA PAUL D
    Officer
    $668,603
    @ $307.97 · 2024-11-22
    MCINERNEY RYAN
    Chief Executive Officer
    $2.49M
    @ $288.49 · 2024-11-01
    ROTTENBERG JULIE B
    General Counsel
    $741,996
    @ $288.49 · 2024-11-01
    MCINERNEY RYAN
    Chief Executive Officer
    $2.39M
    @ $276.97 · 2024-10-01
    MCINERNEY RYAN
    Chief Executive Officer
    $2.38M
    @ $276.37 · 2024-09-03
    MCINERNEY RYAN
    Chief Executive Officer
    $2.37M
    @ $275.00 · 2024-08-29
    ROTTENBERG JULIE B
    General Counsel
    $707,300
    @ $275.00 · 2024-08-29
    MAHON TULLIER KELLY
    Officer
    $10.12M
    @ $267.64 · 2024-08-16
    FABARA PAUL D
    Officer
    $7.01M
    @ $277.15 · 2024-05-15
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

    🎭 Mr. Market's Mood

    Learn more →
    ADBE
    FearGreed
    😨Fear(37/100)

    "Market is pessimistic — investigate whether fears are temporary or structural"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
    V
    FearGreed
    😐Neutral(57/100)

    "Market is pricing this stock without strong emotion in either direction"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    ⚖️ Buffett Signal

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    ADBE
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Fear (37)
    V
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Neutral (57)
    View ADBE Full AnalysisView V Full Analysis
    ADBE vs V: Which Is the Better Buy? | SafetyMargin.io